ACH US Routing Number – BEAR STATE BANK

	Routing Number	Address	City	State
1	082900995	600 HWY 715	MENA	AR
2	082901224	135 SECTION LINE ROAD	HOT SPRINGS	AR
3	082901282	135 SECTION LINE ROAD	HOT SPRINGS	AR
4	082901457	135 SECTION LINE ROAD	HOT SPRINGS	AR
5	082901473	P O BOX 550	HARRISON	AR
6	082901677	135 SECTION LINE ROAD	HOT SPRINGS	AR
7	082902391	135 SECTION LINE ROAD	HOT SPRINGS	AR
8	082904043	PO BOX 1049	MENA	AR
9	084107699	P O BOX 550	HARRISON	AR
10	086504326	PO BOX 550	HARRISON	AR
11	103102229	214 N. FIRST ST.	GLENWOOD	AR
12	103112617	600 HWY 71 SOUTH	MENA	AR
13	282970204	P O BOX 550	HARRISON	AR
14	122244582	110 S FERRALL STREET	SPOKANE	WA
15	123103570	110 S FERRALL STREET	SPOKANE	WA
16	123202293	110 S FERRALL STREET	SPOKANE	WA
17	123204071	110 S FERRALL STREET	SPOKANE	WA
18	123204110	110 S FERRALL STREET	SPOKANE	WA
19	123206590	110 S FERRALL STREET	SPOKANE	WA
20	123206817	110 S FERRALL STREET	SPOKANE	WA
21	123206901	110 S FERRALL STREET	SPOKANE	WA
22	123308786	110 S FERRALL STREET	SPOKANE	WA
23	124302257	110 S FERRALL STREET	SPOKANE	WA
24	125008220	110S FERRALL STREET	SPOKANE	WA
25	125105741	110 S FERRALL STREET	SPOKANE	WA
26	125107037	110 S FERRALL STREET	SPOKANE	WA
27	125107765	110 S FERRALL STREET	SPOKANE	WA
28	125108065	110 S FERRALL STREET	SPOKANE	WA
29	125108191	110 S FERRALL STREET	SPOKANE	WA
30	125108382	110 S FERRALL STREET	SPOKANE	WA
31	125108599	110 S FERRALL STREET	SPOKANE	WA
32	125108764	110 S FERRAL STREET	SPOKANE	WA
33	125108858	110 S FERRALL STREET	SPOKANE	WA
34	125108890	110 S FERRALL STREET	SPOKANE	WA
35	125108939	110 S FERRALL STREET	SPOKANE	WA
36	323371076	110 S FERRALL STREET	SPOKANE	WA

The ACH US Routing Number is a 9-digit code that identifies the financial institution from which an electronic transfer, like a direct deposit or direct payment, is sent. For Bear State Bank, this important number can help ensure your payments reach the right place. Keep reading to learn more about Bear State Bank’s routing number, how it works, and how to find it.

What is an ACH Routing Number?

An ACH routing number is a 9-digit code that identifies a financial institution for the purpose of routing electronic transactions. It’s like a zip code for money, helping to direct funds to the correct bank.

ACH stands for “Automated Clearing House,” which is an electronic network used by banks and credit unions to process large volumes of credit and debit transactions. The routing number tells the ACH network where to send transactions for a particular financial institution.

How ACH Routing Numbers Work

When you authorize an electronic payment or deposit, the routing number provides instructions on where that money should be sent.

For example, when you set up direct deposit for your paycheck, the routing number tells your employer’s bank to route the funds to your bank account. Or if you authorize your utility company to debit your checking account each month, the routing number tells the ACH network to route that transaction to your financial institution for processing.

So in short, the routing number helps ensure transactions end up in the right place. It acts like an address to properly route electronic payments through the ACH network.

Purpose of Bear State Bank’s Routing Number

Bear State Bank’s routing number serves the same purpose as any other bank’s routing number – to facilitate electronic payments and transfers.

More specifically, Bear State Bank’s routing number:

Identifies Bear State Bank within the ACH network
Routes direct deposits to Bear State Bank accounts
Routes automatic bill payments from Bear State Bank accounts
Facilitates bank-to-bank transfers involving Bear State Bank

So when you provide Bear State Bank’s routing number for a transaction, you’re giving instructions for where the funds should be directed. This allows payments to be processed and deposited smoothly.

Bear State Bank’s Routing Number Details

Bear State Bank’s routing number is: 82900995(See above table for Reference)

This 9-digit code specifically identifies Bear State Bank within the ACH system. When this routing number is used on an electronic transaction, it signals that the funds should be routed to or from an account at Bear State Bank.

Key details about Bear State Bank’s ACH routing number:

Institution Name: Bear State Bank
Routing Number: 82900995(See above table for Reference)

Bear State Bank is headquartered in Little Rock, AR and has branches throughout the state. But its routing number remains the same on all transactions, regardless of the specific branch location.

How to Find Bear State Bank’s Routing Number

Bear State Bank’s routing number can be easily located using several methods:

Printed Checks: The routing number is the 9-digit code on the bottom left corner of your checks.
Bank Website: Routing numbers are typically published on bank websites for easy reference.
Bank Documents: Account opening paperwork and bank statements usually include the routing number.
Contact Bank: You can call or visit a Bear State Bank branch to get the routing number.
ACH Verification: The Federal Reserve’s ABA Routing Number tool can be used to look up info and validate the routing number.

So if you already bank with Bear State Bank, you likely already have easy access to the routing number on your account materials. If not, use the Federal Reserve tool or contact the bank directly.

When You Need Bear State Bank’s Routing Number

You’ll need to reference Bear State Bank’s 9-digit routing number whenever you authorize transfers to or from an account using the ACH network. Key times when it comes in handy:

Direct Deposit Setup

Provide Bear State Bank’s routing number to your employer or other income sources for direct deposit into your Bear State Bank checking or savings account.

Online Bill Pay

Enter the routing number when establishing automatic bill pay or one-time online payments from your Bear State Bank account.

Bank Transfers

Use Bear State Bank’s routing number to transfer funds between your Bear State Bank account(s) and accounts at other banks.

Account Verification

Some organizations verify account ownership by requesting the associated routing number, like mortgage companies and investment firms.

So keep Bear State Bank’s routing number handy any time you need to route electronic transactions or verify account ownership.

How Routing Numbers Help Prevent Fraud

Routing numbers provide an added layer of security and fraud prevention for electronic payments and transfers. Here’s how:

Verifies Valid Accounts – When you provide a valid routing number, it ensures the account is legitimate and open at that financial institution.
Confirms Bank Details – The number confirms the identity of the intended bank to send funds to or debit funds from.
Detects Errors – If the wrong routing number is entered, transactions are unable to process, alerting the sender to fix errors.

So requiring an accurate routing number helps validate financial details and avoid payments landing in the wrong account. For maximum security, handle routing numbers with the same care as account numbers.

Can You Use Routing Numbers from Other Banks?

No, you should only use Bear State Bank’s routing number for transactions involving Bear State Bank accounts.

Providing another bank’s routing number will result in transactions being misrouted or rejected entirely.

Each financial institution has its own unique routing number used to identify transactions coming in and out of accounts at that bank. So transactions will only make it to the right place if you reference the routing number for the exact bank associated with your account.

Routing Number vs Account Number

It’s easy to confuse routing numbers and account numbers, but they serve very different purposes:

Routing Number – Identifies the bank to route the transaction to.
Account Number – Identifies the specific account at that bank.

Think of it this way – the routing number gets the payment to the right bank, while the account number makes sure it gets deposited into the right account.

To ensure accurate transactions, double check that you have the correct number for each purpose. Mixing them up may result in payments going astray.

How to Validate Bear State Bank’s Routing Number

To confirm you have the correct routing number, there are a couple methods:

Check it against official Bear State Bank documents
Use the Federal Reserve’s ABA Routing Number tool to look up Bear State Bank’s info
Call Bear State Bank to verify the 9-digit routing number on file

Validating the accuracy helps avoid any problems with transactions being misrouted due to typos or old information. Taking a minute to double check can help ensure smooth payment processing.

What If You Use the Wrong Routing Number?

Entering an incorrect routing number when setting up electronic payments can cause a couple different issues:

Misrouted payments – If another valid routing number is entered, funds may go to the wrong financial institution. This can delay transactions or make it difficult to track down where your money went.
Rejected payments – If the routing number does not exist, the transaction will fail and the transfer or deposit won’t go through. This can lead to late fees and other problems.

In either case, go back and enter the correct Bear State Bank routing number to get transactions moving smoothly again. Contact your bank if you need any assistance troubleshooting transaction problems.

Can You Opt Out of ACH Transactions?

Yes, you can opt out of using ACH payments or deposits at Bear State Bank if needed. Some reasons customers may want to opt out include:

Privacy/security concerns
Prefer using paper checks
Want more control over larger transfers
Had issues with erroneous transactions

To opt out, contact Bear State Bank to disable ACH services on your account. Any active ACH instructions will need to be cancelled and reinitiated using paper checks or wire transfers instead.

Of course, this may be less convenient for regular transfers and payments. But customers can choose alternative options if they have concerns about utilizing ACH transactions.

Frequently Asked Questions

What is Bear State Bank’s routing number?

Bear State Bank’s routing number is 082904980. This 9-digit number helps route electronic payments and transfers through the ACH network.

Where do I find my bank’s routing number?

You can locate your routing number on the bottom of personal checks, bank account statements, or the bank’s website. Contact your bank directly if you cannot find it.

Can I use a routing number from another bank?

No, you need to use the specific routing number assigned to your bank. Using a different bank’s number will result in transactions being misrouted or rejected.

What happens if I enter the wrong routing number?

Providing an incorrect routing number may result in payments going to the wrong account or being rejected entirely. Double check your routing number to avoid errors.

Is a routing number the same as my account number?

No, routing numbers and account numbers are different. The routing number specifies the bank to send transactions to. The account number identifies the specific account at that bank.

Conclusion

In review, Bear State Bank’s routing number is a key piece of information needed to route electronic payments and transfers. By providing the 9-digit routing number 082904980 on ACH transactions, you ensure funds go smoothly to and from your Bear State Bank accounts. Keep this number handy for direct deposit, online bill pay, account verification, and other situations involving electronic payments via ACH. Following the tips provided helps avoid critical errors resulting from incorrect routing numbers. With this knowledge, you can handle bank transactions with confidence.